Call reports 2025
MILFORD FEDERAL BANK — 2025
What MILFORD FEDERAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 519,271,000 | 528,359,000 | 537,787,000 | 541,205,000 |
| Total loans | 453,623,000 | 463,711,000 | 472,163,000 | 466,130,000 |
| Allowance for loan losses | 1,981,000 | 2,076,000 | 2,093,000 | 2,106,000 |
| Securities available for sale | 21,540,000 | 24,263,000 | 23,946,000 | 22,932,000 |
| Securities held to maturity | 33,000 | 32,000 | 30,000 | 28,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 407,367,000 | 403,268,000 | 421,575,000 | 432,783,000 |
| Interest-bearing deposits | 371,762,000 | 367,002,000 | 384,943,000 | 395,886,000 |
| Noninterest-bearing deposits | 35,605,000 | 36,266,000 | 36,632,000 | 36,897,000 |
| Equity capital | 56,771,000 | 57,065,000 | 58,128,000 | 58,884,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,544,000 | 11,161,000 | 16,969,000 | 22,911,000 |
| Interest expense | 2,709,000 | 5,138,000 | 7,608,000 | 10,210,000 |
| Net interest income | 2,835,000 | 6,023,000 | 9,361,000 | 12,701,000 |
| Noninterest income | 574,000 | 1,220,000 | 1,881,000 | 2,512,000 |
| Noninterest expense | 3,205,000 | 6,478,000 | 9,649,000 | 12,882,000 |
| Provision for loan losses | -2,000 | 93,000 | 126,000 | 141,000 |
| Pretax income | 208,000 | 670,000 | 1,436,000 | 2,190,000 |
| Income tax | 41,000 | 152,000 | 350,000 | 465,000 |
| Net income | 167,000 | 518,000 | 1,086,000 | 1,725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,292,000 | 58,641,000 | 59,213,000 | 59,850,000 |